| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77479 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | $3K | $95K | 5.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 2871 LAKE VISTA DRIVE, SUITE 125 LEWISVILLE, TX 75067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $20K | $42K | 30.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SW FREEWAY, SUITE 200 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 14.41% |
| MARY KWIETNIAK3 | PO BOX 941783 HOUSTON, TX 77094 | AFLAC | $2K | $239 | $2K | 7.38% |
| JARED E DAY3 | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $594 | $0 | $594 | 1.79% |
| JOHANN Y RESTITUYO3 | 19403 ALTON SPRINGS DRIVE CYPRESS, TX 77433 | AFLAC | $235 | $0 | $235 | 0.71% |
| JOHN PAUL THOMPSON II3 | 236 HAVERSHAM ROAD DELTONA, FL 32725 | AFLAC | $161 | $0 | $161 | 0.49% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $161 | $0 | $161 | 0.49% |
| POWELL A JOHNSON III3 | 9074 ELM TREE CIRCLE TYLER, TX 75703 | AFLAC | $145 | $0 | $145 | 0.44% |
| FINN INTERESTS INC3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | AFLAC | $118 | $0 | $118 | 0.36% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $107K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $107K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $168K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $168K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $135K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.